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Market MapIndianaKosciusko

Kosciusko County

IndianaPopulation: 80,442
58
/100
Hold
#573 of 1,000 counties
#92 in Indiana (92 counties)

Market Snapshot

$272,509
Median Home Price
0% below national median
$1,108/mo
Median Rent
26% below national median
4.88%
Rent-to-Price Ratio
Top 79% nationally
-$708
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

Trend based on YoY growth rate. Source: Zillow ZHVI/ZORI

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$272,509
Down Payment (20%)$54,502
Loan Amount$218,007
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,108
Monthly P&I-$1,429
Est. Expenses (35%)-$388
Net Cash Flow-$708/mo
3.2%
Cap Rate (all cash)
-13.6%
Cash-on-Cash Return
4.88%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 3.2% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full AnalysisTry House Hack Strategy

Score Breakdown

Overall Investment Score
58/100
58
Cash Flow(30%)
43/100

Based on 4.88% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
72/100

Based on 2.2% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Population data not available.

Affordability(20%)
72/100

Price-to-income ratio of 3.8x. Lower ratios indicate more affordable markets.

Scores are calculated using real Zillow home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. Markets with missing rent data use estimated values based on regional averages.

Investment Outlook

Strengths

  • +Affordable relative to local incomes
  • +Complete rent data available

Challenges

  • -Below-average rent-to-price ratio (4.88%)
  • -Negative cash flow at typical financing (-$708/mo)
  • -Negative leverage (cap rate 3.2% < mortgage rate 6.9%)

Economic Indicators

Population
80,442
Median Income
$70,945
vs $62,400 national est.
Unemployment Rate
—
Data pending
Price-to-Income
3.8x
Moderately affordable

Compare to Nearby Counties

CountyVerdict
AllenIN
63$244,080$1,1635.72%BuyView
BooneIN
62$408,148$1,7775.22%BuyView
SteubenIN
62$302,895$1,4255.65%BuyView
TippecanoeIN
61$288,669$1,5266.35%BuyView
PorterIN
59$320,190$1,4695.50%HoldView
CurrentKosciuskoIN
58$272,509$1,1084.88%Hold

The Bottom Line

HoldKosciusko is a neutral market. Consider house hacking or targeting below-market deals.

Kosciusko County in Indiana scores 58/100, ranking #573 of 1,000 US counties (top 57%). The 4.88% rent-to-price ratio may require creative strategies or below-market purchases for positive cash flow. Current market conditions make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or all-cash purchases.

Monthly Cash Flow
$-708/mo
Cap Rate
3.2%
Cash-on-Cash
-13.6%

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